Actuary

About Harbor.ai: Harbor.ai is an InsurTech startup aiming to revolutionize the enterprise insurance market. Our technology simplifies the process for insurance brokers to identify optimal coverage for their clients continuously, and this is just the beginning. Our mission is to revolutionize underwriting for better, faster, and smarter processes. As we pursue this goal, we are implementing a data-driven business model that fundamentally reshapes how insurance products are sold. Established in 2018, Harbor.ai is venture-backed and based in New York. This role is 100% on-site at our Corporate Headquarters in New York City. The Role You will work closely with leadership on program economics and how we price and evaluate risk. What You'll Do Own program economics modeling, including loss ratios, combined ratios, ceding structures, carrier margins, and profitability analysis across our program portfolio Build and maintain pricing models for E&S and specialty lines, working with sparse or non-standard data Evaluate new program opportunities, stress-test assumptions, validate loss costs, and produce clear output for internal decisions and partner conversations Support carrier and MGA partners with actuarial documentation and due diligence requests Support loss development and trend analysis across program lines Establish and maintain reserving frameworks What We're Looking For 3 to 5+ years of actuarial or quantitative insurance experience in P&C, preferably in specialty, E&S, or programs Deep familiarity with ratemaking, loss development, and program performance metrics Nice to Have ACAS/FCAS designation or active pursuit Experience in program business, MGA environments, or InsurTech Exposure to captive structures or alternative risk transfer Prior work supporting carrier partners on program launches or audits Note to All Applicants Harbor.ai is committed to providing reasonable support (called accommodations) in our recruiting processes for candidates with disabilities, long term conditions, mental health conditions, or sincerely held religious beliefs, or who are neurodivergent or require pregnancy-related support. If you need support, please reach out to View email address on click.appcast.io. Individual pay is determined by skills, qualifications, experience, and location. Compensation details listed in this posting reflect the base salary only, and do not include bonus, equity or sales incentives, if applicable; bonuses are not guaranteed. Harbor.ai is proud to be an Equal Employment Opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local law. We may use your information to maintain the safety and security of Harbor.ai, its employees, and others as required or permitted by law. Additionally, Harbor.ai in the E-Verify program in certain locations, as required by law. Harbor.ai is committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, you may contact us at View email address on click.appcast.io. #J-18808-Ljbffr